Apple

Hey all I got the light blue iPhone 15, set it up as a new phone without transferring anything, and updated to the latest iOS update. I have tried several different cards, but for whatever reason Apple Pay doesn't seem to activate when I try them in a store. I double tap the side-button, the card shows up, but the transaction never happens. It's like the wireless chip whatever the name is doesn't work. Has anyone heard of this issue? Likely hardware issue or software issue? I don't have any Apple Store nearby unfortunately.